Credit union · NCUA insured
Your Choice Federal Credit Union
A $13.8M credit union headquartered in Altoona, PA, with 1,398 members and 1 branch in Pennsylvania. Best rates: CDs 0.35% and savings 0.15% APY.
Your Choice Federal Credit Union Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#13 of 20 in Altoona, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Your Choice Federal Credit Union
Started in 1957 in Altoona, Pennsylvania, Your Choice Federal Credit Union was established to serve community members and secure their financial well-being.
The credit union is owned and operated by its members.
- Headquarters
- 109 Keystone St, Altoona, PA 16602
- NCUA charter
- 11972
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, or a business legal entity located in most of the Altoona area.
Employers and groups
- Persons who are employed, retired, or members (with voting rights) of listed companies or organizations in the credit union's Field of Membership.
Family and household
- Family members (spouses, spouses of deceased members, children, siblings, parents, grandparents, grandchildren, including step-relatives) of members, and persons living in the same household.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- Main OfficeMain office109 Keystone St, Altoona, PA 16602Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.55% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.17% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $26 | $59 | — |
- CapitalNet worth ratio12.55%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.17%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$26Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Your Choice Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.